<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">

<head><script Language='JavaScript'>
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Loan Payment Calculator with Amortization Schedule V5
//2008 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 07/14/2008
//Last Modified: 02/28/2012
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:7579-1662-158-1580
//Commercial Licence Date:2013-07-13
//*******************************************



function computeIntervalPayment(prin, numPmts, intRate, pmtInt) {

if (intRate > 1.0) {
  intRate = intRate / 100.0;
}
intRate /= pmtInt;

var pow = 1;
for (var j = 0; j < numPmts; j++)
   pow = pow * (1 + intRate);

var pmtAmt = (prin * pow * intRate) / (pow - 1);

return pmtAmt;

}




function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function fns(num, places, comma, type, show) {

    var sym_1 = "$";
    var sym_2 = ""; 

    var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       if(type == 1 && show == 1) {
          finNum = "-" + sym_1 + "" + finNum + "" + sym_2;
       } else {
          finNum = "-" + finNum;
       }
    } else {
       if(show == 1) {
          if(type == 1) {
             finNum = sym_1 + "" + finNum + "" + sym_2;
          } else
          if(type == 2) {
             finNum = finNum + "%";
          }

       }

    }

	return finNum;
}


function calc_down_1(form) {

   document.lpc_5.Hdown_type.value = 1;

   var v_price = sn(document.lpc_5.price.value);
   var v_down = sn(document.lpc_5.down.value);
   if(v_down < 25) {
      v_down = v_down / 100 * v_price;
      document.lpc_5.down.value = fns(v_down,2,0,0,0);
   }
   var v_principal = 0;
   if(v_price > 0 && v_down > 0) {
      v_principal = Number(v_price) - Number(v_down);
   }

   document.lpc_5.principal.value = fns(v_principal,2,1,0,0);

   clear_results(document.lpc_5);

}

function calc_down_2(form) {

   document.lpc_5.Hdown_type.value = 2;

   var v_price = sn(document.lpc_5.price.value);
   var v_down = sn(document.lpc_5.down.value);
   if(v_down > 25) {
      v_down = v_down / v_price * 100;
      document.lpc_5.down.value = fns(v_down,2,0,0,0);
   }
   var v_principal = 0;
   if(v_price > 0 && v_down > 0) {
      v_principal = Number(v_price) - Number(v_down / 100 * v_price);
   }

   document.lpc_5.principal.value = fns(v_principal,2,1,0,0);

   clear_results(document.lpc_5);

}

function calc_prin(form) {

   var v_price = sn(document.lpc_5.price.value);
   var v_down = sn(document.lpc_5.down.value);
   var v_principal = 0;

   if(document.lpc_5.Hdown_type.value == 1) {
      v_principal = Number(v_price) - Number(v_down);
   } else {
      v_principal = Number(v_price) - Number(v_down / 100 * v_price);
   }

   document.lpc_5.principal.value = fns(v_principal,2,1,0,0);

   clear_results(document.lpc_5);
}

function computeForm(form) {

   if(document.lpc_5.principal.value == "" || document.lpc_5.principal.value == 0) {
      alert("Please enter an amount in Line #1.");
      document.lpc_5.principal.focus();
   } else
      if(document.lpc_5.rate.value == "" || document.lpc_5.rate.value == 0) {
      alert("Please enter an amount in Line #2.");
      document.lpc_5.rate.focus();
   } else {

      var v_principal = sn(document.lpc_5.principal.value);
      document.lpc_5.r_principal.value = fns(v_principal,2,1,1,1);

      var v_rate = sn(document.lpc_5.rate.value);
      document.lpc_5.r_rate.value = fns(v_rate,2,0,2,1);

      var v_term = document.lpc_5.term.options[document.lpc_5.term.selectedIndex].value;
      document.lpc_5.r_term.value = document.lpc_5.term.options[document.lpc_5.term.selectedIndex].text;

      var v_interval = document.lpc_5.interval.options[document.lpc_5.interval.selectedIndex].value;
      document.lpc_5.r_type.value = document.lpc_5.interval.options[document.lpc_5.interval.selectedIndex].text;

      var  v_npr =  v_term * v_interval;

      var r_payment = computeIntervalPayment(v_principal, v_npr, v_rate, v_interval);
      document.lpc_5.r_payment.value = fns(r_payment,2,1,1,1);


   }
    
}


function clear_results(form) {

   document.lpc_5.r_principal.value = "";
   document.lpc_5.r_rate.value = "";
   document.lpc_5.r_term.value = "";
   document.lpc_5.r_type.value = "";
   document.lpc_5.r_payment.value = "";


}


function createReport(form) {

   if(document.lpc_5.r_principal.value == "" || document.lpc_5.r_principal.value == 0) {
      alert("Please calculate the payment before clicking the [Payment Schedule] button.");
      document.lpc_5.principal.focus();
   } else {

      var v_principal = sn(document.lpc_5.r_principal.value);
      var v_rate = sn(document.lpc_5.r_rate.value);
      var v_term = document.lpc_5.term.options[document.lpc_5.term.selectedIndex].value;
      var v_interval = document.lpc_5.interval.options[document.lpc_5.interval.selectedIndex].value;

      var v_npr =  v_term * v_interval;

      var v_payment = sn(document.lpc_5.r_payment.value);

      var v_prin = v_principal;
      var v_int = v_rate;
      if(v_int >= 1) {
         v_int /= 100;
      }
      v_int /= v_interval;

      var v_int_port = 0;
      var v_accum_int = 0;
      var v_prin_port = 0;
      var v_accum_prin = 0;
      var v_count = 0;
      var v_pmt_row = "";
      var v_pmt_num = 0;


      var v_display_pmt_amt = 0;

      var v_accum_year_prin = 0;
      var v_accum_year_int = 0;

      var v_year = 1;



      while(v_count < v_npr) {

         if(v_count < (v_npr - 1)) {

            v_int_port = v_prin * v_int;
            v_int_port *= 100;
            v_int_port = Math.round(v_int_port);
            v_int_port /= 100;

            v_accum_int = Number(v_accum_int) + Number(v_int_port);
            v_accum_year_int = Number(v_accum_year_int) + Number(v_int_port);

            v_prin_port = Number(v_payment) - Number(v_int_port);
            v_prin_port *= 100;
            v_prin_port = Math.round(v_prin_port);
            v_prin_port /= 100;

            v_accum_prin = Number(v_accum_prin) + Number(v_prin_port);
            v_accum_year_prin = Number(v_accum_year_prin) + Number(v_prin_port);

            v_prin = Number(v_prin) - Number(v_prin_port);

            v_display_pmt_amt = Number(v_prin_port) + Number(v_int_port);

         } else {

            v_int_port = v_prin * v_int;
            v_int_port *= 100;
            v_int_port = Math.round(v_int_port);
            v_int_port /= 100;

            v_accum_int = Number(v_accum_int) + Number(v_int_port);
            v_accum_year_int = Number(v_accum_year_int) + Number(v_int_port);

            v_prin_port = v_prin;

            v_accum_prin = Number(v_accum_prin) + Number(v_prin_port);
            v_accum_year_prin = Number(v_accum_year_prin) + Number(v_prin_port);

            v_prin = 0;

      //pmtAmt = Number(intPort) + Number(prinPort);
            v_display_pmt_amt = Number(v_prin_port) + Number(v_int_port);
   }

   v_count = Number(v_count) + Number(1);

   v_pmt_num = Number(v_pmt_num) + Number(1);

   v_pmt_row += "<tr><td align=right><font face='arial'>";
   v_pmt_row += "<small>" + v_pmt_num + "</small></font></td>";
   v_pmt_row += "<td align=right><font face='arial'><small>" + fns(v_display_pmt_amt,2,1,0,0) + "</small>";
   v_pmt_row += "</font></td><td align=right><font face='arial'><small>" + fns(v_prin_port,2,1,0,0) + "</small>";
   v_pmt_row += "</font></td><td align=right><font face='arial'>";
   v_pmt_row += "<small>" + fns(v_int_port,2,1,0,0) + "</small>";
   v_pmt_row += "</font></td><td align=right><font face='arial'>";
   v_pmt_row += "<small>" + fns(v_prin,2,1,0,0) + "</small></font></td></tr>";


   if(v_pmt_num % v_interval == 0) {

      v_pmt_row += "<tr bgcolor='#dddddd'><td align=left>";
      v_pmt_row += "<font face='arial'><small>Year " + v_year + "</small>";
      v_pmt_row += "</font></td><td align=right><font face='arial'>";
      v_pmt_row += "<small> </small>";
      v_pmt_row += "</font></td><td align=right><font face='arial'>";
      v_pmt_row += "<small>" + fns(v_accum_year_prin,2,1,0,0) + "</small>";
      v_pmt_row += "</font></td><td align=right><font face='arial'>";
      v_pmt_row += "<small>" + fns(v_accum_year_int,2,1,0,0) + "</small></font></td>";
      v_pmt_row += "<td align=right><font face='arial'>";
      v_pmt_row += "<small> </small></font></td></tr>";

      v_year += 1;
      v_accum_year_prin = 0;
      v_accum_year_int = 0;

   }

      if(v_count > 100 * v_interval) {

         alert("Using your current entries you will never pay off this loan.");

         break;

         } else {

         continue;

         }

    }

   var v_int_text = "";

   if(v_interval == 12) {
      v_int_text = "Monthly";
   } else
   if(v_interval == 4) {
      v_int_text = "Quarterly";
   } else
   if(v_interval == 2) {
      v_int_text = "Semi-Annually";
   } else
   if(v_interval == 1) {
      v_int_text = "Annually";
   }

   var part1 = "<head><title>Amortization Schedule</title></head>";

   part1 += "<";
   part1 += "bo";
   part1 += "d";
   part1 += "y ";
   part1 += "bgcolor= '#FFFFFF'>";


   part1 += "<br /><br /><center><font face='arial'><big><strong>";
   part1 += "Amortization Schedule</strong></big></font></center>";

   var part2 = "<center><table border=1 cellpadding=2 cellspacing=0><tr><td colspan=5>";
   part2 += "<font face='arial'><small>Principal: " + fns(v_principal,2,1,1,1) + "<br>";
   part2 += "Interest Rate: " + fns(v_rate,2,0,2,1) + "<br>";
   part2 += "Payment Interval: " + v_int_text + "<br>";
   part2 += "# of Payments: " + v_npr + "<br>";
   part2 += "Payment: " + fns(v_payment,2,1,1,1) + "</b></small></font></td></tr>";
   part2 += "<tr><td colspan=5><center><font face='arial'><b>Schedule of Payments</b></font><br>";
   part2 += "<font face='arial'><small><small>Please allow for slight rounding differences.";
   part2 += "</small></small></font></center></td></tr>";
   part2 += "<tr bgcolor='silver'><td align='center'><font face='arial'><small><b>Pmt #</b>";
   part2 += "</small></font></td>";
   part2 += "<td align='center'><font face='arial'><small><b>Payment</b></small></font></td>";
   part2 += "<td align='center'><font face='arial'><small><b>Principal</b></small></font></td>";
   part2 += "<td align='center'><font face='arial'><small><b>Interest</b></small></font></td>";
   part2 += "<td align='center'><font face='arial'><small><b>Balance</b></small></font></td></tr>";

   var part3 = ("" + v_pmt_row + "");

   var part4 = "<tr><td><font face='arial'><small><b>Grand Total</b></small></font></td><td> </td>";
   part4 += "<td align=right><font face='arial'><small><b>" + fns(v_accum_prin,2,1,0,0) + "</b>";
   part4 += "</small></font></td><td align=right><font face='arial'>";
   part4 += "<small><b>" + fns(v_accum_int,2,1,0,0) + "</b></small>";
   part4 += "</font></td><td> </td></tr></table><br><center>";
   part4 += "<form method='post'><input type='button' value='Close Window' onClick='window.close()'></form>";
   part4 += "</center></body></html>";

   var schedule = (part1 + "" + part2 + "" + part3 + part4 + "");

   reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");

   reportWin.document.write(schedule);

   reportWin.document.close();

   }

}</script>

<meta content="text/html; charset=unicode" http-equiv="Content-Type" />
<title>Untitled 1</title>
<link href="../css/csstablestyle.css" rel="stylesheet" type="text/css" />
</head>

<body>
<form name="lpc_5" method="post" action="#">

<table border='1' width='50%' cellpadding='4' cellspacing='0'  
>
<tbody>

<tr>
<td colspan="2" align="center">
<caption> Loan Payment Calculator with Amortization Schedule</caption>

<tr>
<td colspan="2">
<font face='arial' size='2' color='#000000'>
This calculator will compute a loan's payment amount at various payment intervals -- based on the principal amount borrowed, the length of the loan and the annual interest rate. Then, once you have computed the payment, click on the "Create Amortization Schedule" button to create a report you can print out.
<p>

</p>
</font> 
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Purchase Price:
</font>
</td>
<td align="center"><input type="text" name="price" size="15" onKeyUp="calc_prin(this.form)" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Down Payment:
<input type="radio" name="down_type" value="dollar" onClick="calc_down_1(this.form)" checked />$
<input type="radio" name="down_type" value="percent" onClick="calc_down_2(this.form)" />%
<input type="hidden" name="Hdown_type" value="1" />
</font>
</td>
<td align="center"><input type="text" name="down" size="15" onKeyUp="calc_prin(this.form)" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Amount to Finance:
</font>
</td>
<td align="center"><input type="text" name="principal" size="15" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Annual Interest Rate Percentage:
</font>
</td>
<td align="center"><input type="text" name="rate" size="15" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Loan Term:
</font>
</td>
<td align="center"><select name="term" size="1" onChange="clear_results(this.form)">
<option value="1">1 year</option>
<option value="2">2 year</option>
<option value="3">3 year</option>
<option value="4">4 year</option>
<option value="5">5 year</option>
<option value="7">7 year</option>
<option value="10">10 year</option>
<option value="15">15 year</option>
<option value="20">20 year</option>
<option value="25">25 year</option>
<option value="30">30 year</option>
</select>
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Payment Type:
</font>
</td>
<td align="center"><select name="interval" size="1" onChange="clear_results(this.form)">
<option value="12" selected>Monthly</option>
<option value="4">Quarterly</option>
<option value="2">Semi-Annually</option>
<option value="1">Annually</option>
</select>
</td>
</tr>


<tr>
<td align="center" colspan="2">
<input type="button" value="Compute" onClick="computeForm(this.form)" />
<input type="reset" value="Reset" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Principal:
</font>
</td>
<td align="center"><input type="text" name="r_principal" size="15" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Interest Rate:
</font>
</td>
<td align="center"><input type="text" name="r_rate" size="15" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Term:
</font>
</td>
<td align="center"><input type="text" name="r_term" size="15" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Payment Type:
</font>
</td>
<td align="center"><input type="text" name="r_type" size="15" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
Payment:
</font>
</td>
<td align="center"><input type="text" name="r_payment" size="15" />
</td>
</tr>


<tr>
<td align="center" colspan="2">
<input type="button" value="Amortization Schedule" onClick="createReport(this.form)" />
</td>
</tr>



</tbody>
</table>
</form><p class="calcdisclaimer">THIS FINANCIAL CALCULATOR IS PROVIDED "AS IS" AND ON "AS AVAILABLE" BASIS WITHOUT&nbsp; 
REPRESENTATIONS OR WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT 
LIMITATION WARRANTIES OF SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND 
NON-INFRINGEMENT. Newport Federal Bank&nbsp;assumes no duty to you by making this calcuator available and shall not be 
responsible for any errors, omissions or defects in this calculator or the consequences of any decisions or actions taken in reliance upon this 
calculator. Newport Federal Bank shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or 
any direct, indirect, incidental, special, punitive or consequential damages of any kind, whether foreseeable or not, the result in any way from, or 
relate in any way to, your use, non-use or reliance on this calculator. Your sole and exclusive remedy for any claim related to this calculator is to 
stop using it.</p>

</body>

</html>